Surrender during the hesitation period (within 15 of the initial insurance date), after deducting the work cost, the paid premium can be fully refunded, and some surrenders during the hesitation period can generally be fully refunded.

The hesitation period is calculated from the moment the payment is successful.

2. Surrender after hesitation

If you surrender after the hesitation period, only the cash value of the policy will be refunded, and the specific amount to be deducted depends on how the agreement is signed.

However, the cash value of the education grant policy in the early stage is very low. If you want to surrender, it is best to surrender within the hesitation period; If the time has exceeded, try to wait until the cash value is equal to the premium paid before applying for surrender, at least there will be no loss in amount and quantity.

Generally speaking, if you surrender after the hesitation period, the money you can refund is directly linked to the cash value of the policy. If the cash value is relatively high, the loss is relatively small, and if the cash value is relatively low, the loss is relatively large.